Sberbank ka-Card Social. Sberbank: ikhadi kwezentlalo umhlalaphansi

Kwiminyaka yakutshanje, inani abanini ye zentlalo amakhadi Sberbank iRussia anda kakhulu, kwakunye bamakhadi yomhlalaphantsi. Oku kuye kwafezwa ngenxa yomsebenzi inkqubo yeziko zemali ubhaliso amapasi abemi abambisane PF. Ukongeza athuthuzele abathengi, ezi iinguqu kwakhokelela ngqo ekwandeni ingeniso ebhankini. Emva ukuncitshiswa umgcelele kula masebe ofisi ibhokisi yanciphisa inqaku kwiindleko zabasebenzi abasebenzi abongezelelweyo, kunye neendleko iifom amapasi zoshicilelo liyancipha suku ngalunye.

Ngubani na ukufumana ikhadi loluntu?

Ukungqinelana nomgaqo-nkqubo pension i-Savings Bank, umxhasi, ngokuxhomekeke kuhlobo inkxaso-mali iya kuvulwa, omnye iimephu ezimbini: zentlalo okanye Maestro. Okokuqala zinikwe ngabantu abafumana imali yomhlala-phantsi, abasindileyo 'okanye ukukhubazeka. Ngokuphathelele kwimiqathango wokukhutshwa yesibini, ngoko uyakwazi ukufumana abemi ukuya kwiminyaka eli-14 ubudala kunye abhaliswe ngokusisigxina kule ndawo yobhaliso kwanelungelo lokhuseleko loluntu.

Yintoni ekufuneka ukuba uvule amakhadi?

Kakade ke, ukuba silindele ukufumana ikhadi loluntu letyala, kufuneka isicelo ndidi zabemi abafumana inkxaso-mali evela kurhulumente. Ngamanye amagama, kufuneka ukuba ekuqaleni yomhlalaphantsi okanye ezinye iintlawulo zokhuseleko loluntu kwingxowa-mali yomhlala-phantsi, yaye kuphela emva koko uye isebe lebhanki elikufutshane. Kufuneka kuqatshelwe ukuba kwezinye izixeko yabasebenzi Russian Federation Pension Fund ngokwabo isicelo ezigxineni zabo kwiziko zemali, kwaye wabulawa ngokuzenzekelayo ufako lwekhadi Sberbank kwezentlalo. Kodwa ke unethamsanqa hayi bonke abantu, ngokunjalo nabo ezingaqukwanga kwi kudidi "lucky", kuza kufuneka sisebenze nzima.

Emva ukubhaliswa kwe pension umntu kufuneka afake isicelo ebhankini kwaye usayine isivumelwano sentsebenziswano a. Ngaphezu koko, ngaphezu kweentsuku ezili-10 zomsebenzi, iziko zemali kufuneka akhuphe ikhadi umthengi wena kwaye akhuphe ngayo. Kodwa kufuneka ibe kuphela phantsi komthetho, kodwa eneneni, eli xesha ephakathi 2 no-4 iiveki. Ngomhla ithuba abasebenzi yebhanki kufuneka azise agent yefowuni, kodwa ezinye ungazihluphi wena nalo, ngoko umhlalaphansi kufuneka rhoqo sibiza ibhanki ubuzise malunga nokufumaneka kwikhadi.

period semthethweni

card Sberbank "Maestro zentlalo" sikhutshwa ngumxhasi we iminyaka emi-3, njengoko oko kungqinwa ulwazi ecaleni layo ngaphambili. Ukuba umxhasi ayikhange zokwaziswa iziko yemali usala ukusebenzisana naye, isiphumo kwekhontrakthi kwandiselwa iinyanga ezimbini phambi kokuba obekiweyo. Ngoko ke, ibhanki iya reissue ngokuzenzekelayo ikhadi elitsha kwaye kuya endala kulindeleke ukuba bapase. Kuba ukusetyenziswa obutofotofo mali umthengi ngokwawo kufuneka silandele qha esebenzayo ngexesha iziko zemali yokuvuma olo tshintshano.

Izinto eziluncedo ze unekhadi ezongezelelweyo

Ukuze athi umhlala - abantu abadala, iimeko abakuphila kufuna intuthuzelo ngakumbi, mhlawumbi akufanele. Wonke umntu uyayazi loo nto, kwaye abasebenzi yebhanki kungekho ngaphandle. Kungenxa yoko le nto abo sele unayo ikhadi bentlalo Savings Bank, wosondeza ukufumana enye ezingaphezulu. Thatha ngokunenzuzo ngamalungu osapho umhlalaphantsi okanye umntu sentembeko ukwenza iintengo ukuhlawulela iinkonzo. Ngesisombululo unekhadi ezongezelelweyo umthengi kufuneka azise iziko mali kwaye isiqinisekiso esibhaliweyo esivela isicelo efanelekileyo. Kolu xwebhu, izigulana ezo kufuneka icacise kuphela iinkcukacha kodwa ikamva ngumnini data.

Ngubani na ukuba umnini unekhadi ezongezelelweyo

Phantsi kwemiqathango inkqubo yentlalo ebhankini, umntu ikhadi abongezelelweyo abangaqeshwayo nokuba umntwana engama-10 Ukuba indoda ithe yaba isalamane esisondeleyo elo belisidla umhlala okanye trust. Phambi kokuba umxhasi elincinane abameli ezisemthethweni (abazali) ngokuhlela imveliso zebhanki kufuneka imvume yabo. Noko ke, emva kokuba umntu kweminyaka eli-14 ubudala azityi isiqinisekiso.

Ukuze ukulawula indlela azikwazanga kanye lowo yengundoqo i inkqubo ikhadi Sberbank loluntu olunikwa iimeko ezithile. Ngoko, ngesicelo elo belisidla umhlala ungacwangcisa imida ngenyanga kwintsebenzo nayiphi na imisebenzi. Ukuze wenze oku, wena kudingeka nje ukuba isebe ebhankini kunye isicelo efanelekileyo kunye mali ngqo. Ngenxa yoko, umnini-ikhadi ukhetho angasebenzisa kuphela isixa esithile semali, kungakhathaliseki nokuba ngaba kufunyenwe yimali okanye ukusonjululwa ukusebenza nge-terminal.

Ezingeloncedo amakhadi zentlalo supplementary Savings Bank

Ngaphambi kokuba siqwalasele iziphako ebizwa ngokuba ube bank loluntu Sberbank ikhadi, kufuneka wenze ukuba ezinye izinto ezimbalwa. Ngokomzekelo, wonke umntu uyaqonda ukuba uninzi umhlala bakhetha ukusebenzisa imali kwaye musa ukuthembela amaziko zemali. Abantu e kunzima ngakumbi kule yobudala ukuze uqhelane uhlobo mihla yokuhlala, hayi nje kuphela ngenxa yokhuphiswano engaguqukiyo, kodwa ngenxa yokuba besoyika ukuba baqhathiwe, yaye andiluqondi umgaqo nokusebenza le nkqubo. Ngoko ke, ukungabikho CVV2 / CVC2-ikhowudi, nto leyo isetyenziselwa ukuchonga ikhadi ukuthenga iimpahla kwi-Internet, abaninzi nokungayiqapheli.

Ke ukuba ikhadi nkonzo, ngomhla kummandla Russian Federation oluqhutywa zonke-ATM, cashpoints kunye amasebe Savings Bank of Russia. Emkile phesheya, abathengi angarhoxa kuphela iibhanki oluncedisayo kanye ATM zabo, amanye amaziko zemali imvume imisebenzi enjalo abangenazo.

Enye Izithintelo zokuba wonke ikhadi Sberbank zentlalo kukuba akufunekanga ukuba isetyenziswe ukutshintshwa ezinye inzuzo. Mark kukuba imisebenzi ngohlobo lwemali sesizwe kwenziwa kwi-akhawunti yekhadi pension, kodwa kuba uninzi umhlala yangoku akuyongxaki.

imali eyongezelelweyo ukuba abathengi

Ukufumana imali eyongezelelweyo bangamalungu lwenkqubo lwe pension ebhankini, oku kufuneka imali imali free. Yaye ekupheleni kwekota kubo bonke abo ikhadi bentlalo Savings Bank, inzala iza kufakwa kwi-akhawunti. Kulo nyaka, 2014, kumntu ngamnye kule program kufumana imali kwi kumyinge we-3.5% ngonyaka kwi yohlenga-mali. Kwabanye, eli zinga mhlawumbi encinane, kodwa ibhanki ivuselela nje ngokwanda yokusebenza, kodwa kwakhona ivumela umhlala ukufumana inzuzo encinane.

Iintlawulo Service

Wonke umntu uyaqonda ukuba utshintsho ukusuka iincwadi imali kwikhadi akhawunti hayi kuphela intuthuzelo yabemi, kodwa ukwandisa inzuzo ebhankini. Ngapha koko, phambi kokuba abantu bavunyelwe ukuba beme emigceni ixesha elide, kodwa wafumana yomhlala ngokupheleleyo. Namhlanje, abantu abo ikhadi bentlalo Savings Bank, byi hayi kuphela iinkonzo ezongezelelweyo, kodwa ifihlwe uthuma.

imali yesondlo ukuba ikhadi ephambili yenkqubo yomhlalaphantsi ibhanki leyo ayifumaneki, kodwa unyaka ezongezelelweyo ziya kususwa imali engange-150. Intlawulo khomishini ayarhoxiswa njengoko ngemali-akhawunti, kunye ukurhoxisa imali. Nangona kukho ezinye bokuqonda, iimeko ezinjalo yenkonzo iya kuhlala injalo ukuba umthengi cashes mali ukuya kuma-50 000, kwezinye iimeko le Komishoni iza kuba 0.5% kumthamo kwemfuneko.

Enye inkonzo kuhlawulelwa inkqubo bentlalo Savings Bank i reissue ikhadi okanye uhlaziyo lwe data zabathengi zobuqu. Kakade ke, akukho sithetha ukutshintshwa okucwangcisiweyo imveliso ekupheleni kwexesha nokusetyenziswa thina, kumayelana kuphela iimeko ze isiphoso ophethe. ikhadi Lost okanye utshintsho kwintlalo isiseko kwiindleko umhlala engange-30, imali nezingathi zincinci. Kambe ke, njengoko ngenxa yobudala babo, abathengi abaninzi usenokulibala ikhadi kwi-ATM, okanye nje andikhumbuli iPIN khowudi, ngoko ke unyaka baziqwebele mali ngokwaneleyo ephucukileyo.

Iinzuzo abanikazi of amakhadi zentlalo

Ukuze ukutsala abathengi ngaphezulu, isebe ngalinye lengingqi yesivumelwano imiqondiso Savings Bank of nokubambisana ezishishina ezahlukeneyo ngemiyinge emincinci, leyo kamva unike umhlala isaphulelo yokuthengisela. Njengoko umthetho, imephu bentlalo Savings Bank of Russia kuvumela umnini ukuthenga izinto eziyimfuneko ngomhla 1-12% enganeno. Fumana uluhlu yeevenkile kunye kwiikhemesti kunokuba zombini kwindawo yeziko zemali, kwaye naliphi na isebe sengingqi ebhankini.

Oku kufuna ingqalelo ekhethekileyo yaye onke amalungu zenkqubo loluntu xhuma i inkqubo yolawulo-akhawunti zakho "Sberbank Online" okanye "Mobile Savings". Ikhadi Social for abadla bayakwazi ukusebenzisa i-Internet, uba sisixhobo kubalulekile ebomini. Ngapha koko, avtoplatezhi kuphela eziluncedo siphephe umgcelele edinayo kwi osethilini kunye nenkcitho lwamandla.